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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $117,390 | $162,136-27.6% | $152,301-22.9% | $154,746-24.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 12.54% | 91.02%-78.5pp | 80.50%-68.0pp | 172.34%-159.8pp |
| Employer contribution / active EE | $3,622 | $4,890-25.9% | $4,624-21.7% | $4,379-17.3% |
| Participant deferral / active EE | $15,257 | $8,341+82.9% | $8,004+90.6% | $6,730+126.7% |
| Admin fee / account holder | $3,903 | $15,759-75.2% | $14,398-72.9% | $14,365-72.8% |